Berkshire Hathaway Specialty Insurance vs Zurich: Technology E&O Insurance

Zurich U.S. targets hardware and software makers and technology service providers, with crisis-management cover as an enhanced endorsement for qualified customers. Berkshire Hathaway Specialty Insurance lists IT staffing and system integrators as targets.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Zurich U.S. Tech E&O Insurance?

Crisis Management and Claims Staff

Zurich says its technology E&O may cover defense costs, settlements and court fees, while crisis-management coverage is an enhanced endorsement for qualified customers. Berkshire Hathaway Specialty Insurance names Technology E&O as a distinct product and lists software development, systems integration, IT training and staffing among target classes. Buyers should confirm whether Zurich’s endorsement is available and compare those terms with the Berkshire Hathaway Specialty Insurance form offered for the same services. [10] [3]

Claims Team Descriptions

Zurich describes dedicated E&O claims specialists and professional-liability underwriters. Berkshire Hathaway Specialty Insurance describes an in-house claims group integrated with underwriting across professional lines; it also flags technology consultants, telecom consultants and MSPs as select accounts. These service structures do not establish claim outcomes. Ask how a technology claim is assigned and whether your specific activities need Berkshire Hathaway Specialty Insurance select review. [10] [3]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Zurich U.S. Tech E&O Insurance Quotes?

  • Is Zurich’s crisis-management endorsement included for your account, and what expenses and limits does it cover? [10]
  • Will Berkshire Hathaway Specialty Insurance classify your consulting or MSP work as select, and which claims contacts appear in the proposal? [3]

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. Named U.S. product in dated overview; terms, form and current transaction availability are not provided by the catalogue listing.company-reportedSource ↗
  • eligibility: The Professional First overview identifies IT training, IT staffing, internet service providers, software design and development, and system integration as Technology Services E&O target customers. Target classes in the U.S. overview dated 2026-06-03-A; does not make technology consulting, telecommunications consulting or managed-service-provider risks ordinary targets.company-reportedSource ↗
  • eligibility: The same overview separates technology consulting, telecommunications consulting services and managed service providers as select customers. U.S. selection qualification applies; no general eligibility inference.company-reportedSource ↗
  • services: The Professional First overview describes an in-house claims group integrated with underwriting and streamlined claim reporting for its professional-line portfolio. Portfolio-level company-reported service, not technology-specific outcomes or an individual-policy claim promise.company-reportedSource ↗

Zurich U.S.

  • eligibility: Zurich identifies technology practitioners, including hardware/software product makers and technology service providers, as targeted E&O classes. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • coverage: Zurich says its E&O may cover defense costs, settlements and court fees; crisis-management coverage is described as an enhanced endorsement for qualified customers, not an unconditional standard feature. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Crisis-management coverage is conditional on the enhanced endorsement and qualification; actual covered terms, limits, issuer and state availability depend on issued policy.company-reportedSource ↗
  • services: Zurich describes dedicated E&O claims specialists and underwriters with professional-liability experience. Zurich U.S. brand; exact underwriting company may vary by policy and state; technology errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗

Zurich lists E&O defense and settlement costs and a qualified-customer crisis-management endorsement; Berkshire Hathaway Specialty Insurance names technology-service targets and select accounts.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    Professional First Architects, Engineers and Consultants Professional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. · accessed 2026-09-28

  3. 03
    Professional First Professional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. · accessed 2026-09-28

  4. 04
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  5. 05
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  6. 06
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  7. 07
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  8. 08
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  9. 09
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

  10. 10
    Errors and Omissions Insurance – E&O | Zurich Insurance

    Zurich U.S. · Pro Plus coverage, targeted classes, policy structure, claims and underwriting · accessed 2026-09-28

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk